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You can no longer add a Chase household member online — but it's still possible on the phone

June 01, 2021
5 min read
You can no longer add a Chase household member online — but it's still possible on the phone
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The world of points and miles has many opportunities to work with a spouse or significant other to maximize your rewards. One of my favorite opportunities comes from Chase: the ability to effectively pool your you and your household partner's Ultimate Rewards points into a single account.

And late last week, we were notified of a potential change to this feature.

In short, Chase's website no longer allows you to add a household member with which to combine your points. However, you can do so over the phone — per an emailed statement from a Chase representative to TPG:

"Currently, if a cardmember would like to add a new card from someone within their immediate household, they can call the number on the back of their card for help to do so."

And I have verified that this functionality does (in fact) still work over the phone.

Here's a full rundown of what we know.

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TPG reader Joe Gilbride reached out to me early Friday morning after reading my guide to this process. He was trying to send points from his Chase Sapphire Preferred Card to his wife's Ultimate Rewards account, where she would ultimately transfer them to United MileagePlus. His wife holds Premier 1K status with United, so using miles out of her United account confers a number of additional benefits — including better award availability and select fee waivers.

Unfortunately, he didn't see the option to add his wife's card as a member of his household.

I quickly logged into my own Ultimate Rewards account and found the same thing.

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I then popped over to my wife's account. She has the Chase Freedom Unlimited® and Ink Business Cash® Credit Card — and every few months, I transfer her points to my Chase Sapphire Reserve account since they are worth more to us from that account. This allows her to utilize bonus categories on those cards and then effectively convert those earnings into fully-transferable Ultimate Rewards points.

Read more: How to maximize your Chase Ultimate Rewards points

I went ahead and transferred all but a few of her points (my Sapphire Reserve was still showing as a saved card), and then — as a test — I deleted it.

Sure enough, the option to add my card back as a household member is now gone.

Here's what that page used to look like:

Screenshot courtesy of Chase

And here's what I saw on her account:

Screenshot courtesy of Chase

Note that the option to add a household member or company owner is no longer there.

What's interesting is that the verbiage just below the above screenshot still indicates that this is an option (emphasis mine):

"You can move your points, but only to another Chase card with Ultimate Rewards belonging to you, or one member of your household or owner of the company, as applicable."

A Chase representative confirmed to TPG that there has been no change in policy — just the process for adding a household member. Here's the full statement:

"Cardmembers still have the ability to combine points between the cards they currently have on file – cards belonging to you or one member of your household – by going online or through Ultimate Rewards in the Chase Mobile App. Currently, if a cardmember would like to add a new card from someone within their immediate household, they can call the number on the back of their card for help to do so."

This morning, I called the number on the back of my wife's Freedom Unlimited, and after being transferred to an agent, I explained that I was trying to add my Sapphire Reserve to her account so I could combine our Chase points. After taking my full card number and initiating a transfer, my card now — once again — appears as a "saved card" in her Ultimate Rewards account.

The card at the bottom right is my Sapphire Reserve, but I needed to call to add it to my wife's account. (Screenshot courtesy of Chase)

It's unclear whether this is a temporary situation or a permanent change to the online interface. The agent I spoke to on the phone indicated that they were doing some "maintenance" on the site, which could explain the problem. However, only time will tell if the functionality to add a household member online is eventually restored.

In the meantime, if you're not seeing the option to add a household member, call the number on the back of your card. It's frustrating to have this added hurdle to combine your Chase points, but thankfully, it's just a one-time call to get it set up.

Featured image by Shutterstock
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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TPG featured card

Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

1 - 10X points
10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases

Intro offer

80,000 bonus points
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

Annual Fee

$550

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases
  • Intro Offer
    Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

    80,000 bonus points
  • Annual Fee

    $550
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more